• M&M Club (Let’s Make a Million$)
• ZTA LIMITED PARTNERSHIP
• Third Party IRA Acct:

M&M Club:
Goal: Start with $1,000 (July 21, 2022.) Compound the value 100% each twelve-month period for ten-years to reach US$1,000,000 dollar valuation.
Restrictions: we cannot add any funds to this account. Soft rule: Can own no more than five positions and we can come down to one position if we have a high conviction for that position.
Disclosures: We are buying deep value when no one likes the company or industry. Highly concentrated in both company and industry. All accounts in this writing are considered speculative and concentrated by company and industry.

M&M Club Positions as of November 10, 2025 Continue reading →

Aya Gold and Silver (AYASF*) $9.75
LOTM Strong buy suggestion below $10.00

• PEA on new land (Boumadine) package presented and perhaps the best prospect globally for return on assets between 77% and 107%. The difference in the numbers is Pre-tax (high #) and Post-tax (low #).
• Permiting and financing in place.
• Low cost to produce estimated under $1,100 per gold equelevant.
• 100% Investment return between one and two years.
• Next 12 to 18 months rewvenue is projected top double.
• Analyst and Market Response 

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There is an enormous transformation happening. We are changing the financial systems on a global basis. This is not a short-term event. I am 75 years old. The implications happening today at breakneck speed will continue for the rest of my lifetime, even if I live another 25 years.

The sell-off happening in the market today is a short-term money crunch at the government level. We will revert (if not already) to the Printing Press, Debasement of Currency, Monetary Expansion or QE. It goes by many names, but it is the slow bankruptcy of the USA. We have no choice as a government. Wins on the east coast elections assure us that we will have Monetary Expansion. The current Administration needs to expand the monetary system if they wish to win in the November 2026 elections. America is not about to tighten its belt. Democrats Continue reading →

Visa Thinks Stablecoins Can Break Into the $40 Trillion Credit Market

Visa says stablecoins could reshape the $40 trillion credit market, despite IMF warnings about rising financial risks.
At decrypt.co written by Stacy Jones Edited by Andrew Hayward Oct 16, 2025 3 min read
Payments giant Visa thinks stablecoins could play a big role in the $40 trillion global credit market, the company said in a new report.
Visa’s new report doesn’t claim that on-chain lending will reach $40 trillion. Instead, it argues that stablecoin-based lending could open the door for traditional institutions to bring parts of the $40 trillion global credit market onto programmable, blockchain-based rails.
“For banks and financial institutions, this represents both an opportunity and an imperative to understand how programmable money is Continue reading →

Written 10/13/25 edited and added to 10/19/25 (seperated below)

• Comments on China and USA trade relationships
• USA has moved toward a digital financial system While Chiona/BRICS is focused on Gold backed Fiat System.
• Digital Asset Treasuriers (DAT). LOTM is focused on multiple DATs mentioned below.
• SharpLink (SBET*) Price is attractive with excellent leadership – recent offering announced 10/16/256 above the market by 12%!

Friday’s (October 13sell-off reasoning was given to China’s imposing new trade restrictions or requirements on rare earth minerals and increased costs to dock in Chinese ports. President Trump in turn, responded by Continue reading →

Four plus years ago, LOTM moved to a barbell portfolio approach. Crypto/Blockchain (tech focused) and Gold & Silver (hard asset) are the two ends of the barbell. As the chart above shows we did a good job, though it was not Continue reading →

LOTM is heavily werighted in

1. Crypto/Blockchain and Precious Metals. Both Sectors are HOT.
   BUT
2. Energy and BioTech are starting to emerge from Stage 1, base building chart patterns, and move into stage two chart patterns. Do we sell some or all of the first group to position into the groups that “appear” to be leaving their basebuilding patterns?

Our answer is that we are reluctant to leave Crypto/Blockchain and Precious Metals, but – we have identified a few undervalued companies (multi-baggers In My Opinion) in the Energy and Biotech sectors that we really like at their current prices. Therefore we are beginning to slowly add some names in a soft Continue reading →

M&M Club

$1000 to a Million goal started July 20, 2022 – with $1,000 and no money added.
Goal is to double the account annually. 10 double over ten years is more than a million dollars. Do the math, to prove it to yourself and make it more real!
Positions currently held as of September 22, 2025.

Continue reading →